BBVA Compass Mortgage Loan Originator - Telebanking Mortgage Specialist III in AUSTIN, Texas

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Overview

Telebanking Mortgage Specialists will receive a large number of warm leads, both inbound telephone (1-888-8-LENDING) and internet (www.BBVACompass.com/mortgages) leads, across our geographic footprint and from some allowed out-of-footprint states, as well as outbound mortgage leads for both refinance and purchase opportunities. They will serve in an advisory capacity to new and existing mortgage customers, building rapport, analyzing financial situations, working up different loan options, and determining the appropriate loan product(s) to meet the client’s needs.

Responsibilities

  1. Maximize mortgage loan production through consultative selling, receiving inbound telephone and internet leads, and making outbound calls, converting leads into committed applications, and exceeding monthly goals.

  2. Maintain a high level of industry specific knowledge, including, but not limited to loan program guidelines and current regulatory requirements.

  3. Provide an exceptional customer experience for all parties involved in every transaction.

  4. Establish and build rapport and trust with internal business partners, such as Operations (Processing, Underwriting and Closing) personnel, to deepen relationships, increase mortgage production and continually improve the overall Client Experience.

  5. Develop solutions to help clients achieve their personal and financial goals while guiding them through the mortgage loan origination process from application to closing.

  6. Evaluate different loan structuring alternatives and present prospects with multiple product options to choose from, educating the Borrower on the benefits and features of each.

  7. Negotiate and Lock optimal pricing for customers.

  8. Request, collect, and upload all supporting income and asset documentation and initial disclosures from clients.

  9. Review documentation with Borrower for accuracy, completeness, and acceptability.

  10. Work closely with Operations’ partners and Sales Management to effectively manage a mortgage loan pipeline and expedite loan closings for customers.

  11. Respond to consumer inquiries and resolve loan qualification problems in a timely manner.

  12. Ensure all aspects of mortgage loan production are in compliance with all applicable State and Federal Laws, regulations, and bank policies and procedures.

  13. Ensure the provision of proper financial advice and a superior customer experience to support the growth of long-term referral relationships and repeat business.

Skills/Characteristics:

  1. Proven track record of success in Sales and / or Sales Management

  2. Professional demeanor demonstrating patience, composure, and a positive attitude.

  3. Ambitious with a strong sense of urgency and initiative to accomplish individual sales quantity and quality goals established by management.

  4. Must possess and demonstrate excellent interpersonal and customer service skills.

  5. Ability to interact effectively with peers, immediate and senior level management.

  6. Demonstrates the ability to identify customer needs and recommend solutions quickly.

  7. Must be detailed-oriented and able to multi-task, organize, and prioritize issues.

  8. Must have assertive communication skills, both written and verbal.

  9. Flexible and able to adapt quickly to change in a fast-paced environment and deliver on tight deadlines.

  10. General knowledge of a broad array of mortgage and home equity lending products.

Qualifications

Meet credit history and criminal background requirements associated with Nationwide Mortgage Licensing System and Registry registration process, to include FBI fingerprint criminal history and review of credit report.

  1. Bilingual Skills (Spanish Competence and Proficiency) preferred

  2. 5+ Years Sales (preferably Call Center or Telemarketing) experience.

  3. 3+ Years Loan Structuring (Mortgage Sales, Processing, Closing, or Underwriting) experience.

  4. Must have High School diploma or GED equivalent, but Bachelor’s degree in Business, Accounting, Finance, Marketing, or related field preferred.

  5. Knowledge of Fannie Mae / Freddie Mac products and services.

  6. Experience with various mortgage origination software (point-of-sale applications, loan origination systems, product and pricing engines, digital file imaging systems, etc.).

  7. Experience with Desktop Underwriter (DU) or other AUS preferred.

  8. Familiar with common Call Center applications and tools (Automated Call Distribution software).

  9. Knowledge of Federal Lending Regulations governing Real Estate Lending preferred (e.g. TILA / RESPA, HMDA, TRID, etc.).

  10. Must meet credit history and criminal background requirements associated with Nationwide Mortgage Licensing System (NMLS) registration process, to include FBI fingerprinting.

  11. Scheduling flexibility required to ensure sufficient support for Customers located across different time zones (call center will be staffed from 7AM – 7PM CST).

Job ID 2017-104309

Site Name TX-AUSTIN-AUSTIN MAIN

Category MORTGAGE SALES

FLSA Status NON-EXEMPT

Type FULL TIME

EOE Statement Equal Opportunity Employer - Minority/Female/Disability/Veterans